Don't accept expensive premiums!

Auto and General charges a high premium and increases the premium exponentially without informing the client beforehand. I've never had to claim from them in 5 years, but I'm paying an exorbitant premium! Surely I should be seen as a low risk client? I will be looking for a more reasonably-priced alternative, for sure! UPDATE: They lowered my premium by 50 PERCENT after I phoned in to question the sudden and unexpected increase in the premium which was debited from my bank account!